:root {
  --bg: #f5f6f8;
  --card: #ffffff;
  --ink: #1a1d21;
  --muted: #5b6470;
  --line: #e2e5ea;
  --brand: #14532d;
  --brand-ink: #ffffff;
  --accent: #1d6b3f;
  --rebate: #0f766e;
  --error: #b42318;
  --radius: 12px;
  --shadow: 0 1px 3px rgba(16, 24, 40, 0.08), 0 1px 2px rgba(16, 24, 40, 0.04);
}

* {
  box-sizing: border-box;
}

body {
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  margin: 0;
  padding: 0;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}

.site-header {
  max-width: 640px;
  margin: 0 auto;
  padding: 2rem 1.25rem 1rem;
}

.site-header h1 {
  font-size: 1.5rem;
  margin: 0 0 0.35rem;
}

.tagline {
  margin: 0;
  color: var(--muted);
}

main {
  max-width: 640px;
  margin: 0 auto;
  padding: 0 1.25rem 2rem;
}

.calc-nav {
  display: flex;
  gap: 0.5rem;
  margin-top: 1rem;
}

.calc-nav a {
  flex: 1;
  text-align: center;
  text-decoration: none;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--brand);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 0.55rem 0.5rem;
}

.calc-nav a:hover {
  border-color: var(--accent);
  background: rgba(29, 107, 63, 0.06);
}

.calculator {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.5rem 1.25rem;
  scroll-margin-top: 1rem;
}

.calculator + .calculator {
  margin-top: 1.5rem;
}

.section-intro {
  margin: 0 0 1.25rem;
  color: var(--muted);
}

.label-note {
  font-weight: 400;
  color: var(--muted);
}

.calculator h2 {
  margin: 0 0 1.25rem;
  font-size: 1.25rem;
}

/* ---------- Form ---------- */

.field {
  margin: 0 0 1.25rem;
  border: 0;
  padding: 0;
}

fieldset.field {
  min-width: 0;
}

label,
legend {
  display: block;
  font-weight: 600;
  margin-bottom: 0.4rem;
  padding: 0;
}

.field-hint {
  margin: 0.4rem 0 0;
  font-size: 0.85rem;
  color: var(--muted);
}

.field-error {
  margin: 0.4rem 0 0;
  font-size: 0.85rem;
  color: var(--error);
  font-weight: 600;
}

.input-prefix {
  display: flex;
  align-items: center;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  overflow: hidden;
}

.input-prefix span {
  padding: 0 0.5rem 0 0.75rem;
  color: var(--muted);
  font-weight: 600;
}

.input-prefix input {
  flex: 1;
  border: 0;
  padding: 0.7rem 0.75rem 0.7rem 0;
  font-size: 1.05rem;
  outline: none;
  background: transparent;
  color: var(--ink);
  min-width: 0;
}

.input-prefix:focus-within {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(29, 107, 63, 0.15);
}

.input-suffix {
  display: flex;
  align-items: center;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  overflow: hidden;
}

.input-suffix input {
  flex: 1;
  border: 0;
  padding: 0.7rem 0.5rem 0.7rem 0.75rem;
  font-size: 1.05rem;
  outline: none;
  background: transparent;
  color: var(--ink);
  min-width: 0;
}

.input-suffix span {
  padding: 0 0.75rem 0 0.5rem;
  color: var(--muted);
  font-weight: 600;
}

.input-suffix:focus-within {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(29, 107, 63, 0.15);
}

.text-input {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 0.7rem 0.75rem;
  font-size: 1.05rem;
  outline: none;
  background: #fff;
  color: var(--ink);
}

.text-input:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(29, 107, 63, 0.15);
}

.radio-row {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.radio {
  flex: 1;
  min-width: 140px;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 500;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 0.6rem 0.75rem;
  cursor: pointer;
  margin: 0;
}

.radio:has(input:checked) {
  border-color: var(--accent);
  background: rgba(29, 107, 63, 0.06);
}

.radio input,
.checkbox input {
  width: 1.1rem;
  height: 1.1rem;
  accent-color: var(--accent);
  margin: 0;
}

.checkbox {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 500;
  cursor: pointer;
  margin-bottom: 0;
}

.btn-primary {
  width: 100%;
  border: 0;
  background: var(--brand);
  color: var(--brand-ink);
  font-size: 1rem;
  font-weight: 600;
  padding: 0.85rem 1rem;
  border-radius: 8px;
  cursor: pointer;
  transition: background 0.15s ease;
}

.btn-primary:hover {
  background: #0f3d21;
}

.btn-primary:focus-visible {
  outline: 3px solid rgba(29, 107, 63, 0.4);
  outline-offset: 2px;
}

/* ---------- Results ---------- */

.results {
  margin-top: 1.5rem;
  border-top: 1px solid var(--line);
  padding-top: 1.5rem;
}

.result-headline {
  background: rgba(29, 107, 63, 0.06);
  border: 1px solid rgba(29, 107, 63, 0.25);
  border-radius: 10px;
  padding: 1rem 1.25rem;
  text-align: center;
  margin-bottom: 1.25rem;
}

.result-label {
  display: block;
  font-size: 0.85rem;
  color: var(--muted);
  margin-bottom: 0.25rem;
}

.result-total {
  display: block;
  font-size: 2rem;
  font-weight: 700;
  color: var(--brand);
}

.result-sub {
  display: block;
  font-size: 0.8rem;
  color: var(--muted);
  margin-top: 0.35rem;
}

.summary {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.95rem;
}

.summary th,
.summary td {
  text-align: left;
  padding: 0.55rem 0;
  border-bottom: 1px solid var(--line);
}

.summary td {
  text-align: right;
  font-variant-numeric: tabular-nums;
}

.summary th {
  font-weight: 500;
  color: var(--muted);
}

.summary .subtotal th,
.summary .subtotal td {
  font-weight: 600;
  color: var(--ink);
}

.summary .rebate td {
  color: var(--rebate);
  font-weight: 600;
}

.summary .grand-total th,
.summary .grand-total td {
  font-weight: 700;
  font-size: 1.05rem;
  border-bottom: 0;
  padding-top: 0.7rem;
}

/* ---------- Breakdown ---------- */

.breakdown {
  margin-top: 1rem;
}

.breakdown summary {
  cursor: pointer;
  font-weight: 600;
  color: var(--accent);
  padding: 0.5rem 0;
}

.bd-block {
  margin-top: 1rem;
}

.bd-block h4 {
  margin: 0 0 0.5rem;
  font-size: 0.95rem;
}

.bd-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.85rem;
}

.bd-table th,
.bd-table td {
  text-align: left;
  padding: 0.4rem 0.5rem;
  border-bottom: 1px solid var(--line);
}

.bd-table th {
  color: var(--muted);
  font-weight: 600;
}

.bd-table td:nth-child(2),
.bd-table td:nth-child(3),
.bd-table th:nth-child(2),
.bd-table th:nth-child(3) {
  text-align: right;
  font-variant-numeric: tabular-nums;
}

.bd-table .bd-rebate td {
  color: var(--rebate);
  font-weight: 600;
}

.bd-formula {
  margin: 0;
  font-variant-numeric: tabular-nums;
}

.bd-note {
  margin: 0.4rem 0 0;
  font-size: 0.85rem;
  color: var(--muted);
}

/* ---------- Method callout (Big 6 vs monoline) ---------- */

.callout {
  margin-top: 1.25rem;
  padding: 1rem 1.1rem;
  background: rgba(29, 107, 63, 0.05);
  border: 1px solid rgba(29, 107, 63, 0.25);
  border-left-width: 4px;
  border-radius: 8px;
}

.callout h4 {
  margin: 0 0 0.5rem;
  font-size: 0.95rem;
  color: var(--brand);
}

.callout p {
  margin: 0 0 0.5rem;
  font-size: 0.9rem;
}

.callout p:last-child {
  margin-bottom: 0;
}

/* ---------- Disclaimer ---------- */

.disclaimer {
  margin-top: 1.5rem;
  padding: 1rem 1.1rem;
  background: #fff9ed;
  border: 1px solid #f0dcae;
  border-radius: 10px;
  font-size: 0.85rem;
  color: #5c4a1f;
}

.disclaimer p {
  margin: 0 0 0.5rem;
}

.disclaimer p:last-child {
  margin-bottom: 0;
}

.disclaimer strong {
  color: #4a3a12;
}

/* ---------- Footer ---------- */

.site-footer {
  max-width: 640px;
  margin: 0 auto;
  padding: 1rem 1.25rem 2.5rem;
  color: var(--muted);
  font-size: 0.85rem;
}

.site-footer p {
  margin: 0;
}

/* ---------- Related guides (cross-links under calculators) ---------- */

.related-guides {
  margin-top: 1.5rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--line);
}

.related-guides h3 {
  margin: 0 0 0.6rem;
  font-size: 0.95rem;
}

.related-guides ul {
  margin: 0;
  padding-left: 1.1rem;
}

.related-guides li {
  margin-bottom: 0.35rem;
}

.related-guides a {
  color: var(--accent);
  text-decoration: none;
}

.related-guides a:hover {
  text-decoration: underline;
}

/* ---------- Real estate section (site owner's own business) ---------- */
/* Deliberately distinct from advertiser "Featured Partner" placements. */

.realestate-section {
  background: var(--card);
  border: 1px solid var(--line);
  border-left: 4px solid var(--brand);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.5rem 1.25rem;
  margin-top: 1.5rem;
  scroll-margin-top: 1rem;
}

.realestate-section h2 {
  margin: 0 0 0.75rem;
  font-size: 1.25rem;
}

.agent-card {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  margin-top: 1rem;
  padding: 1.1rem 1.25rem;
  background: rgba(20, 83, 45, 0.04);
  border: 1px solid rgba(20, 83, 45, 0.18);
  border-radius: 10px;
}

.agent-id {
  min-width: 220px;
  flex: 1;
}

.agent-name {
  margin: 0;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--brand);
}

.agent-title {
  margin: 0.15rem 0 0;
  font-weight: 600;
}

.agent-brokerage {
  margin: 0.15rem 0 0;
  color: var(--ink);
}

.agent-contact {
  list-style: none;
  margin: 0;
  padding: 0;
  min-width: 240px;
  flex: 1;
  font-size: 0.95rem;
}

.agent-contact li {
  padding: 0.25rem 0;
  border-bottom: 1px solid var(--line);
}

.agent-contact li:last-child {
  border-bottom: 0;
}

.contact-label {
  display: inline-block;
  width: 64px;
  color: var(--muted);
  font-weight: 600;
}

.agent-contact a {
  color: var(--accent);
  text-decoration: none;
}

.agent-contact a:hover {
  text-decoration: underline;
}

/* ---------- Advertise / Featured Partner ---------- */

.advertise-section {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.5rem 1.25rem;
  margin-top: 1.5rem;
  scroll-margin-top: 1rem;
}

.advertise-section h2 {
  margin: 0 0 0.75rem;
  font-size: 1.25rem;
}

.btn-inline {
  display: inline-block;
  width: auto;
  text-decoration: none;
  padding: 0.7rem 1.25rem;
}

/* Reusable "Featured Partner" advertiser badge. */
.featured-partner {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  color: #7a4b00;
  background: #fde9c8;
  border: 1px solid #f0c98a;
  border-radius: 999px;
  padding: 0.12rem 0.55rem;
  vertical-align: middle;
  white-space: nowrap;
}

.partner-disclosure {
  margin-top: 1.5rem;
  padding: 1rem 1.1rem;
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: 10px;
}

.partner-disclosure h3 {
  margin: 0 0 0.5rem;
  font-size: 0.95rem;
}

.partner-disclosure p {
  margin: 0;
  font-size: 0.9rem;
  color: var(--muted);
}

/* ---------- Footer links ---------- */

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 1rem;
  margin-bottom: 0.75rem;
}

.footer-links a {
  color: var(--accent);
  text-decoration: none;
  font-weight: 600;
}

.footer-links a:hover {
  text-decoration: underline;
}

@media (min-width: 560px) {
  .site-header {
    padding-top: 3rem;
  }
  .site-header h1 {
    font-size: 1.75rem;
  }
}

/* ================================================================== */
/* Article / guide pages + legal pages                                 */
/* ================================================================== */

.article,
.legal-page,
.guides-index {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.75rem 1.5rem;
}

.site-title {
  margin: 0 0 0.75rem;
  font-size: 1.15rem;
  font-weight: 700;
}

.site-title a {
  color: var(--ink);
  text-decoration: none;
}

.site-title a:hover {
  color: var(--brand);
}

.breadcrumb {
  margin: 0 0 1rem;
  font-size: 0.9rem;
}

.breadcrumb a {
  color: var(--accent);
  text-decoration: none;
}

.breadcrumb a:hover {
  text-decoration: underline;
}

.article-body h1,
.legal-page h1,
.guides-index h1 {
  font-size: 1.6rem;
  line-height: 1.25;
  margin: 0 0 1rem;
}

.article-body h2,
.legal-page h2 {
  font-size: 1.2rem;
  margin: 1.75rem 0 0.6rem;
}

.article-body h3,
.legal-page h3 {
  font-size: 1.02rem;
  margin: 1.35rem 0 0.5rem;
}

.article-body p,
.legal-page p {
  margin: 0 0 1rem;
}

.article-body ul,
.article-body ol,
.legal-page ul {
  margin: 0 0 1rem;
  padding-left: 1.35rem;
}

.article-body li,
.legal-page li {
  margin-bottom: 0.4rem;
}

.article-body a,
.legal-page a {
  color: var(--accent);
}

.article-body table {
  width: 100%;
  border-collapse: collapse;
  margin: 0 0 1rem;
  font-size: 0.95rem;
}

.article-body th,
.article-body td {
  text-align: left;
  padding: 0.5rem 0.6rem;
  border-bottom: 1px solid var(--line);
  font-variant-numeric: tabular-nums;
}

.article-body thead th {
  color: var(--muted);
  border-bottom: 2px solid var(--line);
}

.article-body blockquote {
  margin: 0 0 1rem;
  padding: 0.6rem 1rem;
  border-left: 4px solid var(--accent);
  background: rgba(29, 107, 63, 0.05);
  border-radius: 0 8px 8px 0;
  font-variant-numeric: tabular-nums;
}

.article-body blockquote p {
  margin: 0;
}

.article-body hr {
  border: 0;
  border-top: 1px solid var(--line);
  margin: 1.5rem 0;
}

/* The trailing italic disclaimer paragraph in each article. */
.article-body hr + p em,
.article-body > p:last-child em {
  color: var(--muted);
  font-size: 0.9rem;
}

.guide-cta {
  margin-top: 1.75rem;
  padding: 1.1rem 1.25rem;
  background: rgba(29, 107, 63, 0.06);
  border: 1px solid rgba(29, 107, 63, 0.25);
  border-radius: 10px;
  text-align: center;
}

.guide-cta p {
  margin: 0 0 0.75rem;
  font-weight: 600;
}

/* ---------- Guides index ---------- */

.guide-group {
  margin-top: 1.5rem;
}

.guide-group h2 {
  font-size: 1.1rem;
  margin: 0 0 0.75rem;
  padding-bottom: 0.4rem;
  border-bottom: 1px solid var(--line);
}

.guide-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.guide-list li {
  margin-bottom: 0.9rem;
}

.guide-list a {
  font-weight: 600;
  color: var(--brand);
  text-decoration: none;
}

.guide-list a:hover {
  text-decoration: underline;
}

.guide-list p {
  margin: 0.2rem 0 0;
  font-size: 0.9rem;
  color: var(--muted);
}